Medicare
You have Original Medicare, and coverage options to choose with Medicare. Here are a few:
Supplemental
What's Medicare supplement (Medigap) insurance?
A Medicare supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Some Medigap policies also offer coverage for services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Then your Medigap policy pays its share.
A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
Call or email for more detailed information:
423-765-9084
margaret.a.douthat@gmail.com
dgdouthatinsurance@gmail.com
Medicare Advantage Plans
About Medicare health plans
What's a Medicare health plan? A plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in the plan. Medicare health plans include all Medicare Advantage Plans, Medicare Cost Plans, Demonstration/Pilot Programs, and Programs of All-inclusive Care for the Elderly (PACE).
· Medicare Advantage Plans
· Medicare Medical Savings Account (MSA) Plans
· Other Medicare health plans
· Medicare Cost Plans
· Demonstrations/Pilot Programs
· Programs of All-inclusive Care for the Elderly (PACE)
· Medication Therapy Management (MTM) programs for complex health needs
Part D
2 ways to get drug coverage
1. Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
2. Medicare Advantage Plan (Part C) (like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance)and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.
I currently offer most all major companies and plans represented in the area for your Medicare insurance coverage. I look forward to helping you select the best one for you.
Call 423-765-9084